Monday, March 2, 2015

Banks must extend easy loan against purchase of commercial premises..........Alok

A medical student spends lacs to get seat. Spends years in educations. Is paid paltry as intern. And finally if he decides to set up his own clinic then he needs few crores to buy a place in city like metro. Another option is to set up a clinic in illegal structure in slums. This is what society gives to budding doctors and then expects that doctors should be human. I agree they should be. But it is also our duty to understand and solve serious issues faced by them. Banks ( who are under Finance ministry and RBI) offer easy loan for housing with repayment in 15 to 20 years. But if a qualified person asks for a loan for buying space for clinic / office/ commercial premises then the rules are stringent, interest rate is high, repayment period is as short as 5 to 7 years. In a city like Mumbai even if  any qualified person has to set up an establishment / office, clinic then he will require minimum a crore or two. To pay back same in such a short period with interest is really difficult. Therefore my request to NAMO, FM and RBI and all banks is to review the existing policy and encourage self employed qualified professionals viz. Architects, doctors, CA's , Advocates and so on to take loan with long repayment period with other terms as in housing loan. This will boost employment and provide services to common man at reasonable fees.

Hope favourable policy will be announced soon..........Alok one made such demand before except Alok

1 comment:

  1. Smita Ghia
    12:21 PM (13 hours ago)

    to me
    Yes it is true that M.B.B.S gets ( in Govt, BMC hospitals or Medical colleges )around RS. 12000 to 15000/- lesser than or equal to a sweeper or gardener and M.D. Or M.S surgeon gets ₹ 40,000 to ₹ 50,000/- per month. A lecturer gets ₹ 40,000/- per month. Therefore one prefers private practise and do not want lecturer ship or professorship in Medical colleges. A pharma co or an industry pays them better than Govt. They are supposed to do emergency duties with faulty machines and substandard medicines.
    For interns and doctors toilets are very bad, poor or no lights, no soap, no taps as they are stolen.
    For girl students it is further more scary on night duties.
    Therefore now people prefer engineering , B.Sc or C.A, M.B.A. So that M.N.C give them lot in return.
    No one takes any complains of medical students, Jr, Sr, Doctors.
    Hospitals are also very dirty, I saw water running down on floor.
    If by chance your reliever is absent u do double duty without bath (even in operation theatre). Without food and clean water.
    If VVIP comes further more troubles.
    Sent from my iPad